4-Point Inspection in Miami
The insurance report for homes far past the 20-year mark, common across the city's older neighborhoods.
Form OIR-B1-1802 · Rev. 04/26 · Miami, FL
Wind Mitigation Inspection in Miami, FL
A wind mitigation inspection in Miami, FL turns your roof, attic and openings into documented answers on the state's OIR-B1-1802 form, which your insurer uses to apply the credits Florida law requires it to offer. Here, a county product approval number or an old permit can settle an answer. Reports usually arrive the same day.
- FormOIR-B1-1802 (Rev. 04/26)
- Region answerHVHZ (Miami-Dade)
- Roof paperworkNOA number or permit date
- ValidUp to 5 years
Where the form gets local
Three Miami Details That Change a Wind Mitigation Form
The form is statewide, but the housing is not. These questions come up on older houses in this city far more than on a newer suburban build.
Local field sheetMiami, FL
Sheet · Wind MitigationBay-facing high-rises in Brickell and Edgewater stand apart from older inland neighborhoods, where 1920s bungalows, Mission and Mediterranean Revival houses, small apartment buildings and postwar homes fill areas like Morningside, Palm Grove, Little Havana and Shenandoah.
- County
- Miami-Dade County, FL
- Building code zone
- High-Velocity Hurricane Zone (HVHZ)
- From our office
- 19.4 miles from 3610 N 65th Ave, Hollywood
- Typical homes
- Wood-frame bungalows and masonry houses from the 1920s to the 1950s, plus small apartment buildings
- Roofs
- Gables on bungalows, flat roofs behind parapets on Mission and Pueblo houses, tile and shingle elsewhere
- Condos
- Towers in Brickell and along the Edgewater bayfront, with condo buildings in Coconut Grove too
- Water and salt
- Coast, river and canals raise flood exposure. King tides reach low streets such as those in Shorecrest
- Permits
- City of Miami Building Department, through iBuild. Historic properties also need a COA
- ZIP codes
- 33125 · 33127 · 33128 · 33129 · 33130 · 33131 · 33132 · 33133 · 33135 · 33136 · 33137 · 33138 · 33142 · 33145 · 33150
Neighborhoods we cover
- Brickell
- Edgewater
- Coconut Grove
- Little Havana
- Shenandoah
- Silver Bluff
- Morningside
- Upper Eastside
- MiMo
- Buena Vista
- Palm Grove
- Shorecrest
- Spring Garden
- Allapattah
- Little Haiti
- Flagami
Your NOA number is a form answer
Item 4 asks for a permit date or an FBC or Miami-Dade product approval number for each roof covering. That county approval, the Notice of Acceptance, has to be current when the roof was installed, not today. The county's Product Control search lets you look one up.
Bungalow roofs answer differently
A gable roof goes down as Other on item 7, though a porch roof attached only at the fascia or wall over open space is left out of the measurement. Older houses often have board decking instead of plywood, and item 5 has an answer for it, sharing option C with 8d nails at 6 inches when nailed as the form requires.
Historic districts add a step before upgrades
Planning impact windows or shutters in Morningside, Buena Vista East or Palm Grove? The city requires a certificate of appropriateness for work on historic properties, window replacements included, on top of the permit. Talk to preservation staff first, and keep the paperwork, because item 9 depends on it.
Form OIR-B1-1802 · Rev. 04/26
Nine Items on a Miami Wind Mitigation Inspection
Follow the form item by item, or tap a pin, to see what we document on a house here and what paperwork helps.
-
1. Building code
Older houses predate all the code options, so they land on the Unknown answer. A home permitted after September 1, 1994 may qualify for SFBC-94, an HVHZ-only choice.
Year built · permit date -
2. Region
The county sits inside the High-Velocity Hurricane Zone, so this answer is HVHZ at every address in the city, with no wind speed lookup needed.
HVHZ -
3. Roof slope
We measure whether at least two-thirds of the main roof area is 6:12 or steeper. Flat-roofed Mission and Pueblo houses clearly fall below, and bungalow pitches need measuring.
6:12 or steeper · below -
4. Roof covering
Each covering gets a permit date, an FBC or MDC approval number, or an installation year. A built-up section behind a parapet takes its own line, apart from any tile.
NOA · permit · year -
5. Roof deck attachment
Plywood nailing, board decking and reinforced concrete each have an answer. A flat-roofed house without attic access gets that answer instead, since we cannot verify what we cannot reach.
Nails · boards · concrete -
6. Roof-to-wall attachment
Old framing often means toenails. Clips and wraps rank higher, and the current form accepts tested retrofit connectors with site-specific documents. Concrete roofs have a Structural answer.
Toenails · clips · wraps -
7. Roof geometry
Hip allows non-hip features up to a tenth of the perimeter. Flat applies only to buildings with five or more units, so a flat-roofed single-family house answers Other.
Hip · flat · other -
8. Sealed roof deck (SWR)
On an older house, usually settled by the last re-roof. Peel-and-stick underlayment, taped seams or a qualifying double layer count, while standard underlayment and hot-mopped felt do not.
When verifiable -
9. Opening protection
Windows, doors, skylights, garage doors and glass block all count, and the weakest sets the answer. Shutters without documentation drop to unverified, and damaged old sash windows can drop it further.
Weakest opening counts
Documents over assumptions
Why Miami Homeowners Order a Wind Mitigation Inspection
Section 627.0629, Florida Statutes, requires insurers to offer credits for construction features that reduce windstorm damage, but an underwriter only sees what is on the form. That makes paperwork part of the inspection here. Shutters installed years ago with no record of the product can be marked as unverified, while the same shutters with a Miami-Dade approval on file can support a stronger answer. Collecting those records before the visit is time well spent.
After Hurricane Andrew in 1992, the county expanded its product control program and the 1994 South Florida Building Code followed. The form still reflects that history in its SFBC-94 option and its references to Miami-Dade test standards. Peter checks the attic where there is one, then the roof and each opening, and attaches a photo or document for every attribute in items 2 through 9 before signing.
- Current Rev. 04/26 form with photos and documents
- Stays valid up to five years with no material changes
- Can share one visit with a 4-point
Credits you can document
Insurers decide the amounts, but nothing counts until it is on the form with proof behind it.
One report, five years
The form can serve that long if the structure has no material changes and no inaccuracies turn up.
Buying in Miami?
Order it during the inspection period so your insurance quote is based on the house, not a guess.
Re-roofed or added shutters?
New work only counts once it is documented. Ask your contractor for the permit and the approval numbers.
Your report, explained
How Form OIR-B1-1802 Reads on a Miami Home
Nine items, and every attribute from 2 to 9 needs a photo or document. Item 1 covers the building code, and your insurer decides which credits follow. Our guide on reading a wind mitigation report goes through a finished form.
State of Florida · Form OIR-B1-1802 (Rev. 04/26)Uniform Mitigation Verification Inspection
- 01Building codeFBC 2001+
- 02RegionHVHZ
- 03Roof slope6:12 or steeper
- 04Roof coveringFBC-approved
- 05Roof deck attachment8d @ 6"/12"
- 06Roof-to-wall attachmentDouble wraps
- 07Roof geometryHip roof
- 08Sealed roof deck (SWR)SWR present
- 09Opening protectionImpact-rated
Peter LemosInspector signature · CMI®
How to get the most from your report
- Have permits handy
- Roof, window and shutter permits or product approvals help prove dates and ratings.
- Clear the attic access
- Most of the form is answered from the attic, so we need to reach the hatch safely.
- Every opening counts
- Opening protection is only credited at its best level when every window, door and skylight is protected.
- Update after upgrades
- A new roof, shutters or impact windows can move you into a better category, so order a new report.
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02
03
04
Simple from start to finish
How a Miami Wind Mitigation Inspection Works
Gather your records
Re-roof permit, NOA numbers, shutter or window paperwork: anything you have helps. Then call or send the form to book.
Up top and at every opening
Peter photographs the framing and connections, each roof covering and every window, door and skylight.
Signed form, usually same day
You get the completed OIR-B1-1802 and its supporting photos, typically the day of the visit.
Hand it to your agent
Your insurance agent submits it. The insurer decides which credits apply to your policy.
Your inspector
Peter Lemos, Certified Master Inspector®
Locally owned in Hollywood, FL and serving South Florida since 2008. Peter holds InterNACHI certifications in wind mitigation, 4-point and mold inspection, and clients rate Global Home Inspectors 5 stars on Google.
2008Since
4.9★Google
3Counties
24hReports
Client notes · Google reviews
What South Florida Homeowners Say
4.9 Based on 82 Google reviews
“I called Global Home Inspectors to conduct a 4 point inspection and wind mitigation inspection. Peter arrived on time and was very professional. He started the inspection process immediately and took pictures. I received my report the same day and I am very pleased with the service. …”
“From start to finish, Peter was prompt, professional, and incredibly thorough. He took the time to explain every detail, answer our questions, and provide a clear and comprehensive report.”
“He was able to come out and complete the inspection within 24 hours and send me the report the same day. Most companies would have taken a week to come out and another week to send the report.”
“After a few upgrades to our home, we needed to provide our insurance company with an updated 4 point & wind mitigation inspection. I’m so glad I went with Peter because he was fantastic! He arrived on time, was a great communicator, and sent the reports very quickly. …”
“Peter visited my place as scheduled and came prepared with a good understanding of my house's historical record. … I received the report 20 minutes right after his leave. Super fast! … p.s. the drone is really cool; used to take a full view of the roof.”
“Mr. Lemos is very responsive, attentive, customer friendly. Working with him and mutual customer was an absolute breath of fresh air. …”
Good questions
Wind Mitigation Inspections in Miami: FAQs
Answers for Miami homeowners. Not here? Call (954) 297-0317.
What is a Miami-Dade NOA, and do I need it for the form?
A Notice of Acceptance is the county's product approval for things like roofing, windows and shutters. You do not strictly need the number for the roof, since item 4 also accepts a permit date or installation year. For shutters and impact glass, proof of the approved product can separate a verified answer from an unverified one.
My NOA shows as expired on the county site. Is that a problem?
Not by itself. The form asks whether the approval was current at the time of installation, so a number that has since expired or been replaced can still support your answer if the dates line up. We look at those dates together with your permit.
Can a 1920s Miami bungalow earn any credits?
It can, depending on what is there. The building code credit is unlikely and a gable roof goes down as Other, but later re-roofing can add a sealed deck, retrofit connectors can change item 6 and protected openings can change item 9. Your insurer decides what each answer is worth.
Do you do wind mitigation inspections in North Miami?
Yes. North Miami is a separate city, but it is also in Miami-Dade, so the Region answer is HVHZ there too. Permit records come from North Miami's own building department, not the City of Miami.
My house has a flat roof. How does that change things?
On a single-family house the geometry answer is Other, because the Flat option is for buildings with five or more units. If there is no attic access, the deck and roof-to-wall items can be marked that way. Reinforced concrete roofs have their own answers on items 5 and 6.
I have a report on the 2012 form. Is it still good?
Any inspection since April 1, 2026 has to use Rev. 04/26. Citizens says it still accepts the January 2012 version when it was completed in the five years before that date and the structure is unchanged. Other carriers may differ, so check with your agent.
Wind mitigation or 4-point: which do I need in Miami?
Often both, and they do different jobs. Wind mitigation documents features that can earn credits, while a 4-point inspection reports the condition of the roof, electrical, plumbing and A/C so the insurer can decide on the policy.
Often booked together
Other Inspections in Miami
Older Miami homes often need these as well, and they can share the visit. All inspection services in Miami
Roof Inspection in Miami
Flat roofs behind parapets, gable bungalow roofs and everything between, photographed and checked from the attic when there is one.
Home Inspection in Miami
Full inspection for buyers and sellers, from Little Havana bungalows to Mediterranean Revival houses in Morningside.
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Also nearby
Wind Mitigation Inspections Near Miami
Miami-Dade and Broward answer HVHZ everywhere, including North Miami and the neighboring cities below. Our South Florida wind mitigation page explains how the Region item works in Palm Beach County.
Wind Mitigation Inspection across South Florida All service areas
Wind Mitigation Inspection in nearby cities
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